American Community Bank & Trust: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Total interest expense rose 3.7% from Q1 2026 to Q2 2026, ending at $4.5M against $4.4M. It was the largest change among the key lines on this page. Within Illinois, American Community Bank & Trust is 128th of 323 on net interest margin, 3.87% as of Q2 2026, above the middle of the field. American Community Bank & Trust reported 3.87% on net interest margin for Q2 2026, 0.16 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 6.33% |
| Yield on securities | 3.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.74% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | 3.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.3M |
| Total interest expense | $4.5M |
| Interest expense on deposits | $4.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.91% | 2.50% | 2.63% | 5.82% | 3.09% |
| Q4 2023 | 5.05% | 2.67% | 2.61% | 5.89% | 3.09% |
| Q1 2024 | 5.18% | 2.66% | 2.72% | 5.98% | 3.60% |
| Q2 2024 | 5.37% | 2.67% | 2.92% | 6.11% | 3.89% |
| Q3 2024 | 5.63% | 2.65% | 3.20% | 6.41% | 4.08% |
| Q4 2024 | 5.50% | 2.33% | 3.34% | 6.28% | 3.66% |
| Q1 2025 | 5.32% | 1.99% | 3.49% | 6.12% | 3.19% |
| Q2 2025 | 5.47% | 1.99% | 3.66% | 6.22% | 3.40% |
| Q3 2025 | 5.68% | 2.02% | 3.85% | 6.48% | 3.47% |
| Q4 2025 | 5.58% | 1.86% | 3.89% | 6.48% | 3.52% |
| Q1 2026 | 5.44% | 1.73% | 3.87% | 6.32% | 3.37% |
| Q2 2026 | 5.48% | 1.74% | 3.87% | 6.33% | 3.58% |
American Community Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Community Bank & Trust, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Community Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35412) · FFIEC NIC profile (RSSD 2869162)